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  • 2025
  • Working Paper

Climate Risk and the U.S. Insurance Gap: Measurement, Drivers and Implications

By: Parinitha Sastry, Tess Scharlemann, Ishita Sen and Ana-Maria Tenekedjieva
In a world with rising risk, how much are U.S. households willing to pay for homeowners insurance, and what does their demand imply for the future of insurance markets? We provide the first estimates of household willingness to pay for homeowners insurance and the... View Details
Keywords: Climate Change; Risk and Uncertainty; Insurance; Personal Finance; Consumer Behavior; Mortgages
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  • 23 Oct 2000
  • Research & Ideas

The Strategy-Focused Organization

in the industry. We often describe the nonfinancial measures on the Balanced Scorecard as leading indicators. But the measures may be not only leading; they are also sustainable. In the short run, financial results can be affected by temporary factors—the weather,... View Details
Keywords: by Robert S. Kaplan & David P. Norton
  • 26 Aug 2014
  • First Look

First Look: August 26

Real Rates By: Hanson, Samuel G., and Jeremy C. Stein Abstract—Changes in monetary policy have surprisingly strong effects on forward real rates in the distant future. A 100 basis point increase in the... View Details
Keywords: Sean Silverthorne
  • 06 Dec 2011
  • First Look

First Look: Dec. 6

http://hbr.org/product/flying-without-a-net-turn-fear-of-change-into-fuel/an/10297-HBK-ENG The Real Consequences of Market Segmentation Authors:Sergey Chernenko and Adi Sunderam Publication:Review of Financial Studies (forthcoming) Abstract We study the real effects of... View Details
Keywords: Sean Silverthorne
  • 26 Mar 2013
  • First Look

First Look: March 26

bonds. Insurance companies have capital requirements tied to the credit ratings of their investments. Conditional on ratings, insurance portfolios are systematically biased toward higher yield, higher CDS bonds. This behavior appears to... View Details
Keywords: Sean Silverthorne
  • 26 Feb 2019
  • First Look

New Research and Ideas, February 26, 2019

intake linked to commercial products. Media (including social media) coverage about the safety and cost of many consumer goods, both medical (drugs, devices) and nonmedical, reflect profound public concerns. Longstanding societal scrutiny about the role of business in... View Details
Keywords: Dina Gerdeman
  • 08 Apr 2019
  • Sharpening Your Skills

The Life of Luxury and How to Sell It

generally have below-average reliability ratings from Consumer Reports, which could contribute to why owners get rid of them so quickly,” said iSeeCars CEO Phong Ly, in a statement accompanying the report. Owners of ultra-high-end... View Details
Keywords: by Sean Silverthorne; Auto; Retail; Fashion
  • 21 May 2013
  • First Look

First Look: May 21

cost of capital and in turn the rates available to borrowers. Standard theory predicts that, in perfect and efficient capital markets, reducing banks' leverage reduces the risk and cost of equity but leaves the overall weighted average... View Details
Keywords: Sean Silverthorne
  • 15 Nov 2016
  • First Look

November 15, 2016

employee departure rates in stores where the manager is likely to be more informed than headquarters (e.g., in stores that are far from headquarters or that serve repeat customers). Download working paper:... View Details
Keywords: Sean Silverthorne
  • 25 Apr 2017
  • First Look

First Look at New Research, April 25

are subject to inspection to ensure they meet quality, safety, and environmental standards imposed by companies and regulators. This paper explores how the scheduling of inspections risks introducing bias that erodes inspection quality by... View Details
Keywords: Sean Silverthorne
  • 12 Oct 2011
  • First Look

First Look: October 12

[that] have started voluntarily augmenting their annual financial reports with reports on 'corporate sustainability', 'corporate social responsibility', and 'corporate environmental performance'..." This paper provides some... View Details
Keywords: Sean Silverthorne
  • 27 Sep 2011
  • First Look

First Look: September 27

explain how to generate ideas with these skills, collaborate with "delivery-driven" colleagues to implement ideas, and build innovation skills throughout your organization to sharpen its competitive edge. They also provide a self-assessment for View Details
Keywords: Sean Silverthorne
  • 18 Jun 2013
  • First Look

First Look: June 18

negotiated a path for converting the region into a global water hub to address economic and environmental concerns. The leaders with various stakes in the change managed to work together to rearrange and support existing pieces to... View Details
Keywords: Anna Secino
  • 14 Apr 2022
  • Op-Ed

Let’s Move Forward from COVID—Without Forgetting What We’ve Learned

The pandemic is winding down, and the world is moving toward an endemic approach. In the world's COVID-19 epicenter, New York City, businesses, restaurants, and Broadway have reopened now that 4 million New Yorkers have been vaccinated. Testing centers have begun to... View Details
Keywords: by Hise O. Gibson and MaShon Wilson
  • 30 Aug 2004
  • Research & Ideas

Real Estate: The Most Imperfect Asset

harder. It also means the day-to-day business may be less fun. Further, as in all evolving industries, the risks are not apparently clear in this new world of securitization. The second main trend has been in the environmental arena from... View Details
Keywords: by Sarah Jane Johnston; Construction; Real Estate
  • 06 May 2021
  • HBS Case

How Four Women Made Miami More Equitable for Startups

investment. As a consequence, that same year Kauffman ranked Miami at 36 among major cities for growth entrepreneurship due in part to the city’s low rate of startup expansion. Some women struggled to sell their ideas in a place... View Details
Keywords: by Carolyn DiPaolo
  • 15 Nov 2012
  • Research & Ideas

Funding the Design of Livable Cities

innovative design in the built environment. To create an environmentally sustainable built environment, design that focuses on maximizing natural resource efficiency, planning that fosters public health, business models that attract the... View Details
Keywords: by Lisa Chase; Construction; Real Estate; Energy; Utilities
  • 18 Apr 2012
  • Research & Ideas

HBS Cases: Who Controls Water?

Central Valley farmland fallow, which pushed local unemployment rates as high as 40 percent, drove protesters into the streets, and led Woolf to cut his crop back dramatically, at one point grinding up 90,000 water-hungry almond trees.... View Details
Keywords: by Maggie Starvish; Agriculture & Agribusiness
  • 10 Nov 2003
  • Research & Ideas

The Hard Numbers on Social Investments

rate return in exchange for a high social return. A key expectation, then, is related to the social or environmental benefit these investments will produce. The member survey indicates that IC members expect... View Details
Keywords: by Manda Salls
  • 18 Oct 2010
  • Lessons from the Classroom

Venture Capital’s Disconnect with Clean Tech

MBA students often fall into one of two categories—those hungry to rush into careers as venture capitalists, and those eager to found a venture-funded start-up. For all of them, Harvard Business School professor Joseph Lassiter has some intriguing advice: Spend a few... View Details
Keywords: by Carmen Nobel; Energy; Utilities; Financial Services

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